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Our Accidental Death Plan has a straightforward goal, help Canadians in Manitoba get the coverage they need no matter how dangerous their job is. Anything can happen when you work a dangerous job, and our plan helps to ensure that your loved ones will have the financial security to carry on if something happens to you.

How our Accidental Death Plan helps residents of Manitoba

Guaranteed accident coverage

Regardless of your health status, your approval is guaranteed. You only must be between 18 to 69 years old and have a permanent residence in Manitoba.

Never undergo a medical exam

You are not required to go through a medical exam when applying for our plan. Your health does not affect your eligibility.

An application process that truly is simple

There is no paperwork to complete, no need to meet face-to-face with agents, and no scheduling appointments. You can get coverage directly on our website.

Financial coverage

Get up to $500,000 in guaranteed tax-free benefit amounts.

Extra coverage

Tax-free coverage for over 20 debilitating injuries.

Instant approval coverage

Once you complete your application, your policy is instantly issued to you.

Extra benefits that make our Accidental Death Plan special
Our plan is different from others on the market by offering three additional benefits that make our plan as barrier-free as possible.

30-day money-back guarantee

If you are not satisfied with your plan, let us know and receive a full refund.

No citizenship needed

You don’t need to be a citizen to apply for our plan.

Additional optional benefits

You can maximize your coverage with other benefits like bereavement benefits and transportation & home benefits.


Our advisors have helped thousands of Canadians in Manitoba get the Accidental Death Plan that works best for their needs and budgets. If you would like to receive a free quote and get coverage now, please use our simple online form to get started!

Find out more about our plan details:

Accidental Death Plan - Schedule of Losses

This table shows what percentage of the benefit is paid following an accident

Schedule of Losses Percentage of Principal Sum Amount
Loss of life 100%
Loss of entire sight of both eyes 100%
Loss of one hand and one foot 100%
Loss of use of one hand and one foot 100%
Loss of one hand and entire sight of one eye 100%
Loss of one foot and entire sight of one eye 100%
Loss of speech and hearing in both ears 100%
Brain death 100%
Loss of both arms, both hands, both legs or both feet 200%
Loss of use of both arms, both hands, both legs or both feet 200%
Quadriplegia 200%
Paraplegia 200%
Hemiplegia 200%
Loss of one arm or one leg 75%
Loss of use of one arm or one leg 75%
Loss of one hand or one foot 75%
Loss of use of one hand or one foot 75%
Loss of entire sight of one eye 75%
Loss of speech or hearing in both ears 75%
Loss of thumb and index finger of same hand 33%
Loss of use of thumb and index finger of same hand 33%
Loss of four fingers of same hand 33%
Loss of hearing in one ear 33%
Loss of all toes of same foot 25%
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Accidental Death Plan - Exclusions
Expiry of Policy

This plan provides full coverage up to the policy anniversary following your 75th birthday. At this point, the policy will terminate and coverage will cease.

General Exclusions

The Accidental Death & Dismemberment policy will not pay benefits when accidental death or injury is caused, directly or indirectly, by one or more of the following circumstances:

  • Illness;
  • An suicide or intentional self-injury while sane or insane;
  • In the act of committing or attempting to commit a criminal offense or while in prison;
  • Medical or surgical treatments or complications arising from such things, except when required as a result of an injury;
  • Participation as a paid professional in sports, or participation in any motorized contest of speed, nor any hazardous activities such as: scuba diving, rock climbing, boxing, sky diving/parachuting, hang-gliding, and/or bungee jumping;
  • Air travel other than as a fare-paying passenger in a commercially-licensed aircraft, or;
  • Declared or undeclared war, acts of war, terrorism, riot or insurrection, or death as a result of serving in the armed forces of any country, government, or international organization.
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